credit hedge fund manager recently shared her insights as the environment. she wrote a book as well, "investing in credit hedge funds oz." as she says, everyone is exposed to credits whether they realize not. >> the most interesting for me is the fact that the credit evolve.ontinues to and sitting on the seat, you know, on the front row managing actual portfolio for institutional investors when i look at where we were coming out of the credit crisis up to today, it's amazing the speed with which the market has evolved and also the expense of the fed intervention since then. thend i know that one of reasons that you actually wanted to work on the book is because you were the one who pointed out it or not, ifow it you're in a pension, if you somea 401k, chances are at level you are exposed to the credit market. >> absolutely. you have a lot of exposure to credit market and a lot more people also have exposure to hedge funds through, for their 401k. so, you know, whether you like it or not and the risk of rate rising is here. and it's here with us whether you l